TellerScore

The First State Bank is a state-chartered bank (fed member) headquartered in Ness City, Kansas, in business for about 110 years. At the end of Q2 2026 it reported $84.3M in total assets and $74.1M in deposits, with 1 office.

The First State Bank has a TellerScore of 92 out of 100 (very strong) based on Q2 2026 data — higher than 92% of its 546 banks with under $100 million in assets. Among 185 banks headquartered in Kansas, it ranks 9th. Capital cushion contributes the most (100/100, 15.27%); earnings contributes the least (71/100, 1.26%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Tier 1 leverage ratio: 15.27%
Loan quality100/100
Noncurrent loans ÷ total loans: 0.00%
Earnings71/100
Return on assets (annualized): 1.26%
Funding & liquidity82/100
Loans ÷ deposits and uninsured-deposit share: 49.5% · 31.5% uninsured
Problem-loan coverage100/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.00%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 3 points (89 → 92), mostly because the earnings component improved by 12 points.

TellerScore
778592Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202490
Q3 202487
Q4 202486
Q1 202577
Q2 202589
Q3 202588
Q4 202586
Q1 202692
Q2 202692
Tier 1 leverage ratio
5.00%10.17%15.34%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202414.52%
Q3 202414.89%
Q4 202415.01%
Q1 202514.70%
Q2 202515.10%
Q3 202514.97%
Q4 202515.34%
Q1 202614.91%
Q2 202615.27%
Noncurrent loans
0.00%0.66%1.31%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.00%
Q3 20240.23%
Q4 20240.00%
Q1 20251.31%
Q2 20250.00%
Q3 20250.00%
Q4 20250.00%
Q1 20260.00%
Q2 20260.00%
Return on assets
0.64%1.03%1.42%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.15%
Q3 20241.05%
Q4 20240.77%
Q1 20251.01%
Q2 20250.99%
Q3 20250.88%
Q4 20250.64%
Q1 20261.42%
Q2 20261.26%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202692$84.3M15.27%0.00%1.26%49.5%
Q1 202692$85.8M14.91%0.00%1.42%43.3%
Q4 202586$84.3M15.34%0.00%0.64%44.6%
Q3 202588$84.1M14.97%0.00%0.88%41.7%
Q2 202589$81.0M15.10%0.00%0.99%46.7%
Q1 202577$80.2M14.70%1.31%1.01%44.3%
Q4 202486$85.6M15.01%0.00%0.77%39.7%
Q3 202487$82.3M14.89%0.23%1.05%44.1%
Q2 202490$82.5M14.52%0.00%1.15%46.5%

546 peers · Under $100 million in assets

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio15.27%
70th
Total risk-based capital22.59%
79th
Problem loans0.00%
84th
Net charge-offs0.02%
28th
Return on assets1.26%
66th
Net interest margin3.03%
17th
Efficiency ratio60.9%
72nd
Loans to deposits49.5%
71st
Uninsured deposits31.5%
11th
Loan-loss reserves2.36%
88th
Texas ratio0.0%
85th

Similar-size banks in Kansas

InstitutionScoreAssetsCapitalProblem loansCompare
The Farmers State BankBank Wathena, KS72 out of 100, Strong$84.7M13.6%1.74%vs
The First National Bank of HopeBank Hope, KS75 out of 100, Strong$83.4M13.8%1.33%vs
The Farmers State BankBank Holton, KS83 out of 100, Strong$86.3M12.7%0.45%vs
FNB WashingtonBank Washington, KS92 out of 100, Very strong$87.8M25.9%0.18%vs
CBW BankBank Weir, KS82 out of 100, Strong$80.5M28.3%0.94%vs
The Howard State Bank, Howard, KansasBank Howard, KS77 out of 100, Strong$80.2M12.2%0.69%vs

Deposit insurance

Is my money safe at The First State Bank?

Yes. The First State Bank is an FDIC-insured institution (FDIC certificate #10503). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 31.5% of deposits ($23.4M) are above the $250,000 FDIC insurance limit, above the peer median of 16%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 15.27%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 22.59% (benchmark: 10%).

Check how much of your own balance is covered

1 location

Branches

The First State Bank lists 1 office in 1 city. Most locations:

  • Ness City, KS (1)

All branch addresses and map

Identity & history

Profile

Legal name
The First State Bank
Type
State-chartered bank (Fed member)
FDIC certificate #
10503
RSSD ID
275657
Primary regulator
FED
Holding company
Beutler Inc
Established
January 1, 1916
Headquarters
206 N Pennsylvania Ave, Ness City, KS 67560
Employees
10

Quick answers

The First State Bank: common questions

Is The First State Bank FDIC insured?

Yes. The First State Bank is an FDIC-insured institution (FDIC certificate #10503). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is The First State Bank's TellerScore?

92 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has The First State Bank ever failed?

There is no failure record for FDIC certificate #10503 in the FDIC failed bank list.

How many branches does The First State Bank have?

1 office as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Ness City

InstitutionScoreAssetsCapitalProblem loansCompare
Farmers Bank & TrustBank Great Bend, KS96 out of 100, Very strong$1.1B24.0%0.19%vs
The First State Bank of RansomBank Ransom, KS91 out of 100, Very strong$48.9M20.1%0.34%vs
Peoples Bank and Trust CompanyBank Mcpherson, KS61 out of 100, Moderate$1.6B9.3%0.92%vs
SJN Bank of KansasBank Saint John, KS37 out of 100, Low$302.9M9.2%6.97%vs